New Smyrna Beach Insurance Rates:

New Smyrna Beach, FL homeowners insurance is about $992 to $1,348, about $82-$112/month. Our complete guide indicates shoppers can save as much as $468 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
I would recommend. Not much can be done with rates on the other policy; it is determined by the market area. Shopping around in that location might make economic sense.
Usaa
I would give USAA a 5, their customer service cant be beat and they are always nice and on top of things. Even when i have 1 million questions they take the time to answer every single one of them .
Allstate
I totally would recommend Allstate, I think it is a great deal for everyone involved. In addition, I think Allstate has a long history of providing good service and helping customers.
Geico
I would recommend my insurance company. They are easy to use. You can make claims online and they are also quick to respond. It's a well known company and I haven't had a problem.
Assurant Specialty Property
While they have made efforts to improve the website, i also don't like its new experimental version and the way that they make transition to it. first you switch to the new version, then you find out that only some features are available and for other features they tell you to switch to the old version.
Assurant Specialty Property
There were a couple of ways i remember the insurance could be paid for. either monthly, which would have been about $4-$5 for the most basic one, or a little bit over $100 for the year, if you were to pay in full. it can also be paid for online.
Assurant Specialty Property
The rate that assurant has given me on my home has been very reasonable and actually has dropped over the years.
Usaa
I like that they call when the policy is nearing renewal to see if any changes need to be made and to reevaluate our insurance. There is nothing that I dislike at this time.
Citizens Property Insurance
The interaction and communication are good. I have felt OK with it. It's positive and good. It is really worthy of the company.
Usaa
I wish that things were a bit cheaper but other than that I think that the company is fine.
Progressive
I imagine I pay a lot less than the average person since I live in a condo and not a house. I know that my relatives who own free-standing houses pay a lot more than me. But that's because there's a lot more that can go wrong in a house than a condo, I think.
Olympus Insurance
I would recommend Olympus to anyone living in Florida. The companies based out of Florida my handler was very helpful with me because I'm a first-time home buyer.
Progressive
I would recommend this Progressive insurance to others small businesses . They will receive very good deal.

New Smyrna Beach, FL Homeowners Insurance By Home Value

New Smyrna Beach, FL Home Value Total Homes % of Total Average New Smyrna Beach, FL Homeowners Insurance
Less than $50,000 1,501 8.0% $175
$50,000 to $59,999 465 2.0% $363
$60,000 to $69,999 478 2.0% $456
$70,000 to $79,999 593 3.0% $526
$80,000 to $89,999 737 4.0% $597
$90,000 to $99,999 640 3.0% $667
$100,000 to $124,999 2,037 11.0% $772
$125,000 to $149,999 1,953 10.0% $960
$150,000 to $174,999 2,444 13.0% $1135
$175,000 to $199,999 1,563 8.0% $1311
$200,000 to $249,999 2,361 13.0% $1580
$250,000 to $299,999 1,569 8.0% $1932
$300,000 to $399,999 1,639 9.0% $2459

Top Home Insurance Agents Near New Smyrna Beach, FL

Home Insurance Company Near New Smyrna Beach, FL Homeowners Insurance Agency Near New Smyrna Beach, FL Address
NA Frontline Ins Managers Inc 7131 Business Park Ln, Ste 300 , Lake Mary, FL, 32746
Travelers Capital Partners Ins & Financial Svcs Inc 298 S Nova Rd, Ste F Ormond Beach, Ormond Beach, FL, 32174
Liberty Mutual Independent Hub International Midwest Limited 1560 ORANGE AVE STE 750, WINTER PARK, FL, 32789
Allstate K. Shawn Keiling 614 W Michigan St, Orlando, FL, 32805
Travelers Professional Insurance Associates Inc 1326 S Ridgewood Ave Ste 4 Daytona Beach, Daytona Beach, FL, 32114

New Smyrna Beach, FL Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near New Smyrna Beach, FL

Streets in New Smyrna Beach Area Homeowners Insurance Cost
Dune Cir, Meadow Lake Dr, Fullerton Grove Rd, Creek Shore Trl, Arnau Dr, Myrtle St, Bond St, Blue Heron Ln, Annette Rd, Washington Ave$1,131
Jones Fish Camp Rd, 6th Ave, Redfish Ave, Silver Cir, Sparrow Dr, N Duss St, Tide St, Dunlamb Rd, W Connecticut Ave, Trap Cir$1,134
Hibiscus Rd, 14th St, Old Blue Ridge Rd, S Sea Mist Dr, Beacon Light Rd, la Boca Dr, Hemlock St, Chester Ave, Cheyenne Dr, Tecca Dr$1,132
Blinn Ave, Inlet St, Volco Rd, Turtlemound Rd, E 19th Ave, Indian River Dr N, Ann St, N Glencoe Rd, Golden Bay Blvd, Eels Grove Rd$1,132
Findley St, Barracuda Blvd, Eel Ave, N Dixie Fwy, Cortez St, Hazel Bishop Dr, Loch Lomond Ct, Rio Grande, Live Oak Ln, Angelfish Ave$1,183
Hardy Ave, Schoolway Ave, Unity Tree Dr, Stonewood Ct, Dee St, Sugartree Cir, Sunrise Ave, Birdie Dr, la Linda Ct, Rock Oak Trl$1,178
S Riverside Dr, Vista Palm Dr, Martin St, Carley Cir, Bella Vis, Redland Dr, 28th St, Beacon St, Co Rd A1A, County Line Ditch Rd$1,134
Burma Rd, Murray St, Borde Aqua Dr, Willow Oak Dr, Swoope Dr, Slatton St, Davis Dr, S Walker Dr, Hill St, Cardinal Dr$1,164
Locust St, Turnbull Bay Rd, Froman St, Minorca Beach Way, Mae St, Randle Ave, Meadow Wood St, Mango Tree Dr, Glencoe Ct, Riverview Dr$1,166
Sabal Palm Dr, Cummings St, Oleander St, 19th Ave, Grace Dr, Wright Grove Rd, Porto Blvd, Maralyn Ave, Mockingbird Ln, Ash St$1,137

New Smyrna Beach, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
New Smyrna Beach$175 to $177
Oak Hill$175
Edgewater$173
Ponce Inlet$192

New Smyrna Beach, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Oak Hill city, Florida $146 $195 $292
Edgewater city, Florida $145 $193 $289
Glencoe CDP, Florida $146 $195 $292

New Smyrna Beach, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
New Smyrna Beach, FL7.0%21.4%
Oak Hill8.75%21.43%
Edgewater7.37%23.5%
Glencoe5.42%25.61%

New Smyrna Beach Renters Insurance as a Percentage of Rent

New Smyrna Beach Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 123 2.0% $787
$300 to $499 150 3.0% $1237
$500 to $749 1,018 20.0% $1912
$750 to $999 1,499 30.0% $2662
$1,000 to $1,499 1,744 35.0% $3787
$1,500 or more 349 7.0% $5437

Average Cost Of Home Insurance By Company In Areas Nearby New Smyrna Beach For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO Citizens Property Insurance $1,355
150,000 27 NO Florida Peninsula Insurance $1,730
150,000 27 NO Southern Fidelity Insurance $1,589
150,000 27 NO Universal Property & Casualty Insurance $2,516
150,000 27 YES Castle Key Indemnity Company Insurance $1,344
150,000 27 YES Florida Family Insurance $829
150,000 27 YES United Property & Casualty Insurance $822
150,000 27 YES Universal Property & Casualty Insurance $1,092
300,000 27 NA American Traditions Insurance $1,919
300,000 27 NA United Property & Casualty Insurance $1,830

New Smyrna Beach, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$4,700
Yearly New Smyrna Beach Homeowner Insurance Premium Example $3,000$2,500
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $25,700$24,700
Net Savings to New Smyrna Beach Home Owner from High Deductible Plan $1,000

New Smyrna Beach, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario New Smyrna Beach, FL Home Replacement Value MORE than Home Value New Smyrna Beach, FL Home Replacement Value LESS than Home Value
Replacement Value $333,000 $224,500
Insurance Premium based on Replacement Value $7,500 $5,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,500 Risk Exposure from Under Insuring Coverage is $75,000
Premium Impact Insurance cheaper by $1,700/year Insurance costlier by $750/year

Example New Smyrna Beach Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualChubb Group of Insurance
Monthly Premium 238333263
Year Built 199320142009
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $150000-$175000$200000-$250000$200000-$250000
Deductible $500 Deductible$500 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for New Smyrna Beach, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 205,000 Composition Roof 2,110 3 $500- $1000 Deductible 1030 4 Stucco siding No
1992 215,000 Slate Shingles Roof 2,150 4 $500 Deductible 1620 4 Brick siding yes
1980 285,000 Slate Shingles Roof 3,290 4 $1000-$2500 Deductible 3410 9 Wood siding No
2008 190,000 Shingles Roof 2,020 4 $5000 to $10,000 Deductible 910 6 Stone Siding yes
2003 255,000 Shingles Roof 2,670 4 $500 Deductible 3800 10 Vinyl siding yes
2012 315,000 Asphalt Shingles Roof 3,030 4 > $10,000 Deductible 1440 5 Stone Siding yes
1981 250,000 Membrane Roof 2,590 4 > $10,000 Deductible 1600 9 Fiber-Cement Siding yes
1985 265,000 Composition Roof 3,230 4 $500 Deductible 5140 9 Wood siding yes
2014 240,000 Composition Roof 2,150 3 $1000-$2500 Deductible 3190 7 Stucco siding yes
2014 185,000 Tile Roof 1,870 4 $2500-$5000 Deductible 1190 6 Wood siding yes
1997 240,000 Membrane Roof 2,020 3 > $10,000 Deductible 170 1 Fiber-Cement Siding No
1997 250,000 Wood Shake Roof 2,130 3 $5000 to $10,000 Deductible 510 2 Fiber-Cement Siding No
2010 150,000 Membrane Roof 1,800 3 $500- $1000 Deductible 1070 5 Vinyl siding yes
1981 195,000 Tile Roof 2,330 4 $500 Deductible 1540 5 Fiber-Cement Siding yes
1999 375,000 Shingles Roof 3,350 4 $2500-$5000 Deductible 400 1 Stucco siding No
2003 165,000 Composition Roof 1,830 3 $500- $1000 Deductible 2760 10 Brick siding yes
2014 145,000 Membrane Roof 1,610 3 $1000-$2500 Deductible 960 5 Fiber-Cement Siding yes
2002 230,000 Composition Roof 2,300 4 $500- $1000 Deductible 260 1 Stone Siding No
2013 150,000 Asphalt Shingles Roof 1,820 4 $1000-$2500 Deductible 1820 12 Stone Siding yes
1994 180,000 Tile Roof 1,940 4 $5000 to $10,000 Deductible 780 3 Stucco siding No
1990 115,000 Composition Roof 1,250 3 $2500-$5000 Deductible 2420 12 Fiber-Cement Siding yes
2004 200,000 Metal Roof 2,000 4 $2500-$5000 Deductible 1230 4 Vinyl siding yes
1994 190,000 Slate Shingles Roof 1,850 3 $1000-$2500 Deductible 2240 9 Wood siding yes
2014 350,000 Metal Roof 3,110 4 $1000-$2500 Deductible 4010 9 Stone Siding No
1980 185,000 Tile Roof 1,590 3 $5000 to $10,000 Deductible 920 6 Fiber-Cement Siding No
1992 190,000 Membrane Roof 2,080 4 $5000 to $10,000 Deductible 1540 6 Stucco siding yes
1994 190,000 Membrane Roof 2,030 4 $2500-$5000 Deductible 360 2 Wood siding No
1993 245,000 Composition Roof 2,300 3 $500 Deductible 3350 10 Vinyl siding yes
1990 145,000 Metal Roof 1,530 3 $500 Deductible 1120 5 Brick siding No
1987 165,000 Wood Shake Roof 1,420 3 $500 Deductible 1840 6 Fiber-Cement Siding yes
1985 235,000 Slate Shingles Roof 2,800 4 > $10,000 Deductible 390 2 Fiber-Cement Siding yes
1980 335,000 Shingles Roof 2,900 4 > $10,000 Deductible 300 1 Stone Siding yes
1993 230,000 Tile Roof 2,470 4 $5000 to $10,000 Deductible 1210 6 Brick siding yes

How To Make Your New Smyrna Beach, FL Home Insurance Cheaper

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